Ripio Card vs Belo Card
How does Ripio Card compare to Belo Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Ripio Card · provisional, see how we rate
Quick answer. Ripio Card and Belo Card are both crypto cards — here's how they differ. Key differences: network (Ripio Card: Visa vs Belo Card: Mastercard); annual fee (Ripio Card: None (no maintenance or issuance fee) vs Belo Card: $0 (issuance, maintenance and shipping all $0)). Our provisional scoring rates Ripio Card higher (7.4/10 vs 6.8/10), but the best pick depends on your country and how you spend.
| Feature | Ripio Card | Belo Card |
|---|---|---|
| Our score | 7.4/10 | 6.8/10 |
| Type | Prepaid | Prepaid |
| Networks | Visa | Mastercard |
| Rewards | 2% cashback in USDT, BTC or ETH on crypto payments; 0.5% cashback on ARS payments; first 30 days 4% (crypto) / 1% (ARS) | Cashback in crypto, credited randomly per transaction (per belo help-center terms) |
| Annual fee | None (no maintenance or issuance fee) | $0 (issuance, maintenance and shipping all $0) |
| FX fee | — | — |
| ATM fee | Third-party ATM operator fees may apply | 3% or 0.50 USDT minimum |
| KYC | — | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDT, BTC, ETH | Argentine pesos and cryptocurrencies (help center references pesos and crypto balances) |
| Availability | Argentina | Argentina |
| Apple / Google Pay | Yes | Yes |
How do the Ripio Card and Belo Card differ?
The Ripio Card and Belo Card are both prepaid crypto cards available in Argentina, but they have distinct features and benefits. The Ripio Card offers a straightforward cashback system in USDT, BTC, or ETH, with a higher initial cashback rate for the first 30 days. In contrast, the Belo Card provides crypto cashback on transactions, though the exact amount is not specified and is credited randomly. Both cards support payments in both fiat and crypto, but they differ in their fee structures and additional features.
Choose the Ripio Card if…
- You want higher cashback rates: The Ripio Card offers a 2% cashback on crypto payments and 0.5% on ARS payments, with an increased rate of 4% (crypto) and 1% (ARS) for the first 30 days.
- You prefer a card with no maintenance or issuance fees: The Ripio Card does not charge any fees for maintaining or issuing the card, making it a cost-effective option for long-term use.
- You use Apple Pay or Google Pay: The Ripio Card supports both Apple Pay and Google Pay, providing flexibility in how you make your payments.
- You want to earn cashback in specific cryptocurrencies: The Ripio Card allows you to earn cashback in USDT, BTC, or ETH, giving you the option to choose your preferred cryptocurrency.
Choose the Belo Card if…
- You want a card with no issuance or maintenance fees: Similar to the Ripio Card, the Belo Card is free to obtain and maintain, with no charges for issuance, maintenance, or shipping.
- You need a card that supports ATM withdrawals: The Belo Card allows ATM withdrawals across Argentina, though it charges a 3% fee or a minimum of 0.50 USDT.
- You prefer to pay in both pesos and crypto: The Belo Card lets you pay in Argentine pesos or cryptocurrencies and choose the deduction order of your balances.
- You are looking for a card with Google Pay compatibility: The Belo Card is compatible with Google Pay, offering a convenient payment option for users.
Bottom line
When deciding between the Ripio Card and the Belo Card, consider your primary needs and preferences. If you prioritize higher cashback rates and a straightforward rewards system, the Ripio Card might be the better choice. However, if you need a card that supports ATM withdrawals and offers the flexibility to pay in both pesos and crypto, the Belo Card could be more suitable. Both cards are excellent options for Argentine users looking to integrate cryptocurrency into their daily transactions. For more detailed comparisons, visit our ratings page.